It's very simple. Your auto insurance premiums should be based on what kind of driver you are.

Rising medical costs are the principle driver behind higher auto insurance prices in the U.S. and a significant share of that pressure is due to abuse and in some cases outright fraud.

The law in this case is an ass and an idiot, as Shakespeare says, because it's being used to silence the only true consumer advocate this state has.

This is all just a transparent effort by the tobacco companies, insurance companies, the Chamber of Commerce (and others). The real story is that they're trying to choke off the one real consumer advocate this state has.

Since its enactment, insurance premiums in Texas have risen at less than half the national average,

If a guy's got a designated driver, go ahead and let him get toasted.